理賠問題
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Q25 毛小孩產生侵權問題，對方若要來申請理賠要提供什麼證明文件? | What documentation is required for third-party claims in pet liability cases?
一、理賠申請書。
二、和解書、調解書、法院確定判決書、仲裁判斷書等損害賠償責任確定之證明文件。
三、被保險人的身分證明。
四、必要時本公司得要求提供事故證明文件或憲警單位處理證明文件。
1. Claim application form.
2. Settlement agreement, mediation document, final court judgment, arbitration award, or other liability confirmation documents.
3. Insured's identification.
4. Incident reports or police documentation if required by the company. -
Q26 【公共意外責任保險】提出理賠申請時應準備哪些文件?或需向第三人取得哪些文件?
一、理賠申請書。
二、損失清單及費用支出單據。
三、意外事故之相關證明文件。
四、個人資料同意書。
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Q27 【公共意外責任保險】訪客搭乘大樓電梯時，發生電梯墜落意外事故，造成人員受傷，是否可由大樓投保之公共意外責任保險負擔理賠責任?
需檢視所投保之公共意外責任保險是否已有附加承保電梯責任，如該大樓所投保之公共意外責任保險有附加承保電梯責任，意外事故責任又歸屬於被保險人，始屬於公共意外責任保險負擔之理賠責任。
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Q28 基本地震保險的理賠標準是什麼?
基本地震保險的理賠標準有二：
1.政府機關通知拆除、命令拆除或逕予拆除。
2.經合格評估人員、建築師公會或結構、土木、大地技師公會評定不堪居住必須拆除或修復費用為重置成本的50%以上。 -
Q29 投保手機保險，當手機送修時，保險公司是否會提供維修期間的替代手機?
明台產險無提供備用機服務，有此需求者在送修時可詢問原購機門市人員。
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Q30 動物醫院有針灸治療，是否算在醫療費用內? | Is acupuncture treatment at veterinary hospitals covered under medical expenses?
如獸醫院為政府登記合格營業之獸醫院，因非除外項目之疾病接受治療，可申請門診費用補償保險金，但治療行為須為因疾病或意外傷害造成，預防性治療不在承保範圍內。
Treatment at government-registered veterinary hospitals is eligible for outpatient expense compensation if treating non-excluded conditions. Treatment must be for illness or accidental injury; preventive treatments are not covered.
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Q31 航空公司已宣布罷工，再進行投保可以理賠嗎? | Can I claim insurance if I purchase coverage after an airline has announced a strike?
依旅平險條款所示，要保人或被保險人向本公司申請訂立保險契約時已發生之事故乃屬於特別不保事項。
保戶若在已宣布或已發生罷工事件後才向本公司投保旅行不便險，關於因罷工所導致的旅行不便事故（如班機取消、旅程取消等）本公司不負賠償責任。According to travel insurance terms, incidents that have occurred before the policyholder applies for insurance coverage are specially excluded items.
If travel inconvenience insurance is purchased after a strike has been announced or occurred, the company is not liable for travel inconvenience claims (such as flight cancellations or trip cancellations) caused by the strike. -
Q32 若已投保了機汽車強制保險或任意保險，但車子借朋友使用，而朋友不小心撞傷路人，保險公司是否有理賠呢？ | If I have compulsory or voluntary vehicle insurance and my friend borrows my car and accidentally injures a pedestrian, will the insurance company cover it?
有關借用汽機車肇事，保險公司是否理賠，需視保險契約內容而定。
一. 在強制險部分，只要是經過被保險人同意而使用該汽機車之人，發生保險事故時均能獲得理賠，但如駕駛人因故意、犯罪或受酒精藥物影響等原因而肇事，保險公司得於給付請求權人理賠金額後，再向駕駛人追償。
二. 在汽車車體損失險的部分，則需視保險契約內所約定的被保險人範圍而定，一般車體損失險的被保險人通常包括以下：
1. 列名被保險險(個人或公司團體)。
2. 列名被保險人之配偶、其同居家屬、四等血親及三等姻親。
3. 列名被保險人所雇用駕駛人及所屬之業務使用人。
三. 在汽機車第三人責任險方面，同樣需視保險契約內容而定，一般汽機車第三人責任保險之被保險人通常包括以下：
1. 列名被保險人及其同居家屬
2. 列名被保險人所雇用之駕駛人及其所屬之業務使用人。
3. 經列名被保險人許可使用或管理被保險汽車之人。
因此，事故發生時駕駛或騎乘被保險汽機車之人，若不是原被保險人，則需根據其投保之險種，如符合汽機車保險約定之被保險人定義，則保險公司會依保險契約賠付，事後亦不會再向駕駛或騎乘被保險汽車之人行使求償權利。
Regarding accidents involving borrowed vehicles, coverage depends on the insurance contract terms:
I. For compulsory insurance, anyone using the vehicle with the insured's permission is covered, but if the driver causes an accident due to intentional acts, crimes, or under the influence of alcohol/drugs, the insurance company can seek reimbursement from the driver after compensating the victim.
II. For vehicle damage insurance, coverage depends on the defined scope of insured persons, typically including:
1. Named insured (individual or company)
2. Named insured's spouse, cohabitating family members, relatives within four degrees of blood relation and three degrees of marriage
3. Employed drivers and business users.
III. For third-party liability insurance, coverage typically includes:
1. Named insured and cohabitating family members
2. Employed drivers and business users
3. Persons authorized to use or manage the insured vehicle.
Therefore, if the driver is not the original insured, coverage depends on the insurance type and if they meet the definition of an insured person, the company will pay according to the contract without seeking reimbursement.
